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Idenity theft occurs when someone uses your name, Social Security number or other personal information wihout your permission to commit
fraud or other crimes in your name. Many online threats can lead to having your personal information stolen and used for fraudulent activities.
There are several steps you can take to minimize the potential damage from identity theft.

GreenPath Identity Theft

Via Credit Union has partnered with GreenPath to provide members with a wealth of financial resources on identity theft.

Fraud Alert on Credit Reports

You can contact any one of the three nationwide credit reporting companies and ask them to place a fraud alert on your credit report. Any of
the companies you call, must then call the other companies for you and have fraud alerts placed on their credit reports as well. The fraud alert
stays on your credit report for at least 90 days. You can create an "Identity Theft Report", that can allow you to extend the length of time the
alert stays on your credit report (See the section below titled: Identity Theft Report).

Equifax: 1-800-525-6285

Experian: 1-888-397-3742

TransUnion: 1-800-680-7289

Review Credit Reports

After you have a fraud alert placed on your credit report, you are able to obtain one free copy of your credit report from each of the credit
reporting bureaus. You should review the reports to make sure that all of your personal information is correct (name, address, SSN, accounts,
etc...). If the report has accounts listed that you did not open or debts that are not yours, contact the credit reporting companies to report the
fraudulent account and have them corrected. You may want to contact the security or fraud department for each of the companies listed in the credit
report where an account was opened without your permission. You should ask the company to send you written proof that they have corrected or closed
the fraudulent account. They should provide this information to you on company letterhead, if at all possible.

Identity Theft Report

You can have an Identity Theft Report created that will help you to handle problems with credit reporting companies, debt collectors and any
business that allowed the fraudster to open up new accounts in your name. This report can help to get fraudulent information removed from your
credit report permanently, prevent debt collectors from collecting on debts resulting from identity theft and extend the fraud alert on your credit
report.

Get a copy of the FTC affidavit that contains the details of your identity theft complaint.

Take the completed FTC affidavit to your local police, or to the police station where the identity theft occured, and file a police
report. Make sure to get a copy of the police report or at least the police report number.

The FTC affidavit and the police report make up the full Identity Theft Report. You can then send copies of the Identity Theft Report to any of
the companies you need to report the fraud too. You should ask them to remove or correct the fraudulent information on your accounts and send you
written proof of the actions taken on the fraudulent accounts.